Group Personal accidental Insurance (GPAI) cover to permanent employees of the UT governments of J&K and Ladakh including those in Corporations, PSUs, Autonomous bodies, local bodies, universities, and police SPOs, with insurance coverage of ₹ 25.00 LPE
The main features of this insurance cover are as under:
- Policy Duration: The GPAI policy will be effective from 07-06-2024 to 06-06-2025 with insurance cover of ₹ 25.00 lac per eligible employee.
- Eligibility:
- A permanent employee of the UT governments of J&K and Ladakh including those in Corporations, PSUs, Autonomous bodies, local bodies, universities, and police SPOs.
- Aged between 18 to 60 Years, or as per the maximum age of superannuation of the employee determined by the service rules in vogue.
- Must draw their salary through J&K Bank.
- Coverage: The GPAI policy covers PERSONAL ACCIDENTAL DEATH, including death due to terrorism and snake/animal bites, on a 24/7- Worldwide cover.
- Claim Process
- Claimants should approach the respective J&K Bank branch where the deceased employee was maintaining his/her salary account for claim intimation.
- Required documents include police report, post-mortem report (wherever applicable), viscera report (if required), death certificate, claim form, LPC, KYC documents, and other relevant documents based on the nature of accident.
- Frequently asked questions (FAQs).
Q 1. Which insurance Company has provided the Group Personal Accidental Insurance cover in favour of Govt Employees?
Ans: The Bank has arranged free Group Personal Accidental Insurance cover in favour of Govt Employees from
| Insurance Company | Period | Claim Amount in Lacs | Type of Cover |
| Bajaj Allianz General Insurance Company | 07.06.2024 to 06.06.2025 | ₹ 25.00 | Accidental death only |
Q.2 which type of Govt employees are covered?
Ans: The GPAI covers all the Permanent employees of the UT governments of J&K and Ladakh including those in Corporations, PSUs, Autonomous bodies, local bodies, universities, and police SPOs.
Q 3. Are Accidental deaths by snake bites/ Animal bites also covered?
Ans: The policy for Group Accidental Insurance covers PERSONAL ACCIDENTAL DEATH, including death due to terrorism and snake/animal bites, on a 24/7- Worldwide cover
Q 4. What shall be the procedure for claim lodgement by the claimants?
Ans: The claim form along with all the requisite documents shall be submitted at the branch where the deceased employee has been maintaining his/her salary account. Branch shall forward soft copy of the same to the insurance company via mail and retain the hard copies at Branch.
Q 5. Which documents generally the claimants are required to provide in support of claim for timely processing?
Ans:
- Duly filled PA form
- FIR/FPR
- Post Mortem (Wherever applicable)/Viscera Report (if required as per PM report)
- Affidavit from LHs of deceased
- Indemnity bond
- KYC of deceased (address & identity proof)
- Salary Slip of deceased (LPC)
- Salary A/C Statement of deceased maintained at JKB BU with recent salary credit.
- KYC of claimants (address & identity proof)
- Joint Account statement of Claimants reflecting title of account, IFSC code etc.
- Legal heir certificate.
- Guardianship Certificate/Court order if claimants or any one of the claimants is a minor.
- Treatment notes (wherever Applicable)
- Death certificate/death Summary
- Any other relevant documents depending upon nature of Accident.
Q 6. In case any employee has obtained similar cover on his own, will there be any impact on benefits under this policy?
Ans: Personal Accidental Insurance Policies are benefit policies, thus the sum payable under this policy shall be over and above the paid/payable under other PA Policies.
